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P2P Payments

Person to Person (P2P) Payments

P2P payments are a digital cash alternative that makes sending and receiving money as easy as emailing and texting. You can pay rent to your landlord, send your roommate money for utilities, even split the bill with friends when eating out - all through your mobile device. P2P payments allow you to quickly transfer money from your existing account to almost anybody else’s.


No registration or setup required - the feature is ready to use in online and mobile banking.


Every transaction requires you to log in to your secure Online or Mobile Banking account, making it as safe as any debit transaction.


There is NO transfer fee for Infuze P2P transactions.


If you have any questions about P2P payments or how they work, contact us today!
Getting started with P2P is easy! Simply sign in to online or mobile banking and perform the following steps:

  1. Click "Menu" in Online or Mobile Banking
  2. Select “Pay & Transfer” 
  3. Select “P2P Payments”
  4. Enter contact method and recipient's information
  5. Enter the amount of payment and select the funding account
  6. Once the sender clicks "Transfer Funds", the recipient will receive an email or text with a link to receive the money.
It's that simple!
There are no transfer fees for Infuze P2P transactions.
Sending funds is similar to withdrawing money from an ATM; funds are immediately debited from your account. The timing of when funds are received depends on the recipient. If the recipient uses a debit card in a participating network (Star, NYCE, Pulse, Shazam, CU24, or Accel), the funds are available immediately. Otherwise, the recipient is prompted to provide details for a checking account, the transaction is processed via the ACH Network, and funds are available in 1 to 3 business days, depending on the recipient financial institution’s process.

P2P is built into online banking, which includes many security features designed to protect your financial information. P2P also utilizes a scrambling PIN pad that requires PIN entry by mouse or touch screen; a PIN cannot be entered by typing numbers on the keyboard. This feature helps keep the transaction secure if your device is infected with viruses or malware that track keystrokes. In addition, the PIN is encrypted, so it never travels across payment channels as a numeric PIN.
Only your name is shared with the recipient.
If the recipient does not claim the funds within 10 days, the funds are returned to your account.
For real-time payments (as opposed to ACH payments), a recipient can access funds immediately. If the recipient has not yet received the transaction, Infuze CU can cancel the transaction. In this instance, please contact us. Otherwise, the recipient must send the funds back to you or give permission to the financial institution to return the funds.

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